Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Cape Coral

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Cape Coral Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

96Reviewed

60Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1716 Cape Coral Parkway East, Cape Coral, FL 33904
  • Motorcyle & ATV

Why choose this provider?

FLB Insurance Agency is an independent insurance agency based in Cape Coral that provides various personal and business lines to clients in the metro. The company was founded in 2010 and has since written auto policies for preferred drivers (older drivers, drivers with no bad records, and drivers with few violations) as well as high-risk and non-standard drivers (young drivers, SR-22, and drivers with several violations). It also has customer service staff and agents that cater to Spanish and Italian-speaking clients.

License Verified:

License: L071023

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (19)
Facebook
5.0 / 5 (11)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
441 Del Prado Boulevard, Cape Coral, FL 33990
  • Multiple Carriers
  • Boats

Why choose this provider?

Look Insurance Agency delivers personal and commercial auto insurance solutions to clients in Cape Coral and the surrounding communities. As an independent insurance agency working with multiple policy carriers, the agency provides more options for a customized car insurance package depending on the client's needs. In addition to an assessment of the client's risk profile and preferences, other services include an explanation of the terms and coverages and assistance in filing for a claim.

License Verified:

License: R019746

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (28)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
851 Cape Coral Parkway East, Cape Coral, FL 33904
  • Multiple Carriers

Why choose this provider?

Unbeatable Insurance Agency, Inc., has been serving automobile and business owners in Cape Coral since 2008. The agency maintains an online portal for clients to manage their insurance policies 24/7. Policyholders receive digital access for filing claims, paying bills, making policy changes, and checking policy status. In addition, their portal access helps them track documentation and print needed documents. Unbeatable Insurance Agency, Inc., works with different car insurance carriers, including Progressive, Gainsco, and Foremost Insurance Group.

License Verified:

License: L097443

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.5 / 5 (8)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2708 Santa Barbara Boulevard, Cape Coral, FL 33914
  • Bundling Option

Why choose this provider?

Dawn Sullivan is an insurance professional that opened her own agency under State Farm in 2007. The Cape Coral-based agent offers various products, including auto insurance. Sullivan and her team furnish policies for car owners that cover damages due to collision, theft, vandalism, and fire. They also insure clients who drive for rideshare companies. Sullivan has been a State Farm insurance agent since 1994. She co-founded Sully's House, which is a foundation that provides financial assistance for individuals in need.

License Verified:

License: P063489

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (71)
Facebook
5.0 / 5 (15)
Yelp
2.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1091 Northeast Pine Island Road, Cape Coral, FL 33909
  • Bundling Option
  • Motorcyle & ATV

Why choose this provider?

Flagler Insurance Agency is a locally owned and operated agency that works with multiple insurance carriers to protect clients against financial ramifications of auto-related incidents. In addition to standard auto insurance coverages, the clients can add certain benefits to their policy. These benefit options include bodily injury liability, collision, comprehensive, and uninsured motorist insurances. Serving clients in Cape Coral and the surrounding areas, the agency also offers homeowners and business insurance coverages.

License Verified:

License: L079900

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (49)
Google
3.9 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2125 Santa Barbara Boulevard, Cape Coral, FL 33990
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Peter Look is a local insurance agent for GreatFlorida Insurance operating in the Cape Coral metro and nearby areas. Peter Look, the principal agent of the firm, is a Ph.D. holder and insurance professional that specializes in auto and home insurance lines. He is an expert in writing policies that protect clients from risks such as collisions, damages, and even theft. Add-ons for damage repairs and replacements as well as payment for medical expenses are also available.

License Verified:

License: A158160

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (111)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4825 Coronado Parkway, Cape Coral, FL 33904
  • RV & Motorhome
  • Motorcyle & ATV

Why choose this provider?

Cape Coral Insurance Center is an insurance firm serving the car insurance needs of Cape Coral and all of Southwest Florida. Representing more than 50 reputable insurance carriers, its agents identify vehicle owners’ insurance needs to design a personal insurance program that will meet their specific requests and go beyond the minimum coverage that the state requires, as necessary. Cape Coral Insurance Center also insures motorcycles, classic cars, and RVs. Its associates are able to communicate in Spanish.

License Verified:

License: L024463

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.5 / 5 (15)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
304 Del Prado Boulevard South, Cape Coral, FL 33990
  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Why choose this provider?

Wilcox Family Insurance, which is located in Cape Coral, provides financial assistance plans for individuals and businesses. Included in its wide range of products is auto insurance. Its team assists clients with different car insurance coverage types such as collision, comprehensive, bodily injury, and uninsured motorist insurance. In addition to personal automobiles, the agents also insure RVs, jet skis, and boats. Wilcox Family Insurance is a family-owned and managed business with a team of non-commissioned insurance agents.

License Verified:

License: L030015

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (38)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Which groups of Cape Coral drivers are eligible for standard and non-standard insurance?

    Standard car insurance policies provide coverage for preferred and super-preferred drivers in Cape Coral. These include mature drivers with a clean driving history, older motorists, and individuals who have accumulated minimal or no traffic violations or accidents. On the other hand, non-standard auto insurance options cater to newer and younger drivers, those requiring an SR-22 certificate, and motorists who have a history of multiple accidents or traffic violations.

  • What is the difference between premium and deductible in the context of Cape Coral car insurance?

    The premium is the amount of money Cape Coral drivers pay to their insurance providers on a monthly or annual basis to maintain their car insurance coverage. A deductible is the amount of money motorists agree to pay out of pocket when they file a claim for covered damages or losses before their insurance companies start covering the remaining costs.

  • What factors should Cape Coral drivers take into account when figuring out how much auto insurance protection they need?

    When choosing the right amount of car insurance coverage, Cape Coral drivers should take into account the assets they want to protect. Additionally, they should consider various factors such as the value of their vehicles, their risk tolerance, and the financial resources available for potential out-of-pocket expenses. An insurance agent or financial advisor can help drivers assess their specific insurance needs.

  • What are the penalties faced by drivers caught driving without insurance in Cape Coral?

    Cape Coral drivers who are caught without insurance for the first time must obtain insurance within three days and provide proof of their coverage. If they fail to show proof that they carry car insurance, their driver's licenses, plates, and registrations could be suspended for a period of three years. The cost to reinstate everything after obtaining insurance will be $150.

  • Why is it important for Cape Coral drivers to have both personal injury protection and property damage liability coverage?

    Cape Coral drivers are required to have personal injury protection (PIP) and property damage liability (PDL) coverage due to Florida's no-fault insurance system. This means their car insurance policies must include a minimum of $10,000 for PIP coverage and $10,000 for PDL coverage. In no-fault states like Florida, drivers must seek compensation for injuries through their own insurance companies after an accident, regardless of fault. This system can also restrict their ability to sue an at-fault driver for additional damages.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.